0TD0 Stock Overview

Provides various banking products and services in Norway. More details

0TD0 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	3/6
Past Performance	4/6
Financial Health	3/6
Dividends	3/6

Rewards

Trading at 70.5% below our estimate of its fair value

Earnings are forecast to grow 23.29% per year

Earnings grew by 23.8% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

SpareBank 1 Nordmøre Competitors

Secure Trust Bank

LSE:STB

UK£83.9m

Arbuthnot Banking Group

AIM:ARBB

UK£152.7m

Close Brothers Group

LSE:CBG

UK£475.9m

SouthPoint Bancshares

OTCPK:SOUB

US$110.3m

Price History & Performance

Summary of share price highs, lows and changes for SpareBank 1 Nordmøre
Historical stock prices
Current Share Price	NOK 157.50
52 Week High	NOK 157.50
52 Week Low	NOK 141.96
Beta	0.14
1 Month Change	10.95%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	37.55%

Recent updates

Shareholder Returns

	0TD0	GB Banks	GB Market
7D	10.9%	0.6%	1.0%
1Y	n/a	54.0%	10.4%

Return vs Industry: Insufficient data to determine how 0TD0 performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0TD0 performed against the UK Market.

Price Volatility

Is 0TD0's price volatile compared to industry and market?
0TD0 volatility
0TD0 Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	11.0%
10% least volatile stocks in GB Market	2.7%

Stable Share Price: 0TD0's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0TD0's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1835	228	Allan Troelsen	www.sparebank1.no/nb/nordmore/privat.html

SpareBank 1 Nordmøre provides various banking products and services in Norway. The company offers business insurance products, including vehicle and machinery, value and building, employee and personnel, and farm and agricultural insurance; personal insurance products, such as car, home, personal, pet, vehicle, travel, and valuables insurance products; pension products; bank cards; payment and debt collection services; and mobile and online banking services. It also provides bank guarantees, operating credit products for agriculture, and factoring and leasing products and services, as well as savings and deposit accounts, refinancing, and mortgage services.

SpareBank 1 Nordmøre Fundamentals Summary

How do SpareBank 1 Nordmøre's earnings and revenue compare to its market cap?
0TD0 fundamental statistics
Market cap	NOK 1.43b
Earnings (TTM)	NOK 156.00m
Revenue (TTM)	NOK 977.00m

9.2x

P/E Ratio

0.4x

P/B Ratio

Is 0TD0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0TD0 income statement (TTM)
Revenue	NOK 977.00m
Cost of Revenue	NOK 0
Gross Profit	NOK 977.00m
Other Expenses	NOK 821.00m
Earnings	NOK 156.00m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	17.22
Gross Margin	100.00%
Net Profit Margin	15.97%
Debt/Equity Ratio	140.9%

How did 0TD0 perform over the long term?

See historical performance and comparison

Dividends

4.4%

Current Dividend Yield

41%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/01 01:00
End of Day Share Price	2025/01/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

SpareBank 1 Nordmøre is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Žilvinas Jusaitis	Norne Securities AS

SpareBank 1 Nordmøre LSE:0TD0 Stock Report